摘要
地方金融监管权是金融监管权的纵向配置,是中央金融监管权的有效补充。地方金融监管权有其正当性与必要性,同时政府干预存在局限性,因此地方金融监管权也要受到适度干预理论的约束。本文着重从监管对象和权限配置两方面理清地方金融监管权的权力边界,认为地方金融监管权的监管对象是地方金融组织,对地方金融组织的界定,采取列举式与抽象式相结合的方法有助于弥补监管漏洞。地方金融监管权的权限配置应覆盖市场准入、事中事后监管和市场退出三个阶段,并且要有所侧重。最后提出地方金融监管的完善路径,可从制定地方金融监管的上位法和细化下位法、加强央地和地区间的监管协调和制定权力清单着手。
The local financial supervision power is the vertical allocation of the financial supervision power, and it is an effective supplement to the central financial supervision power.The local financial supervision power has its legitimacy and necessity, and government intervention has limitations, so the local financial supervision power should also be constrained by the theory of moderate intervention.This paper focuses on clarifying the power boundary of local financial supervision power from the aspects of supervision object and power allocation.It is believed that the supervision object of the local financial supervision power is local financial organizations, and the combination of enumeration and abstraction for the definition of local financial organizations is helpful to make up for the loopholes in supervision.The power allocation of local financial supervision powers should cover three stages: market access, interim and ex post supervision, and market exit, and should focus on it.Finally, this paper proposes a perfect path for local financial supervision, which can start from formulating upper-level laws and refining lower-level laws for local financial supervision, strengthening supervision coordination between central and local governments, and formulating a list of powers.
作者
董祚修
DONG Zuo-xiu(School of Economic Law,East China University of Political Science and Law)
出处
《当代金融研究》
2022年第8期40-50,共11页
Journal of Contemporary Financial Research
关键词
适度干预
地方金融监管权
权力配置
Moderate Intervention
Local Financial Supervision Power
Power Allocation
